The bank maintains a stable capital structure with an equity-to-assets ratio of 0.15, supporting $28.1 billion in total assets as of 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Cash & Short Term Investments | 7.12B | 253.81M | 2.89B | 2.57B | 2.62B | 4.64B | 3.08B | 2B | 1.85B | 1.14B | 1.02B | 1.17B | 706.66M | 739.25M | 620.84M | 606.02M | 319.48M | 283.36M | 174.8M | 71.83M | 192.65M | 74.42M | 97.67M | 80.48M | 123.08M | 157.47M | 43.36M | 80.1M | 56.5M | 36.3M | 42.9M |
| Cash & Due from Banks | 1.33B | 253.81M | 1.22B | 1.17B | 1.12B | 4.04B | 2.1B | 597.68M | 655.29M | 330.65M | 198.38M | 385.06M | 164.86M | 253.02M | 273.93M | 266.06M | 307.04M | 276.1M | 166.17M | 71.83M | 192.65M | 74.42M | 97.67M | 80.48M | 123.08M | 157.47M | 43.36M | 80.1M | 56.5M | 36.3M | 42.9M |
| Short Term Investments | 0 | 0 | 1.67B | 1.4B | 1.5B | 592.62M | 982.88M | 1.4B | 1.19B | 810.87M | 822.74M | 783.18M | 541.8M | 486.24M | 346.91M | 339.97M | 12.44M | 7.26M | 8.63M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 24.13B | 25.13B | 22.83B | 21.86B | 21.79B | 17.68B | 16.46B | 15.91B | 9.8B | 7.07B | 6.2B | 4.79B | 3.46B | 3.01B | 2.34B | 2.23B | 2.23B | 1.94B | 2.03B | 1.89B | 1.71B | 1.4B | 1.08B | 1.02B | 996.88M | 946.97M | 739.65M | 663.8M | 621.5M | 605.8M | 580.9M |
| Investments Growth % | 20.83% | 10.08% | 4.45% | 0.33% | 23.22% | 7.42% | 3.48% | 62.3% | 38.61% | 14.08% | 29.36% | 38.44% | 15.16% | 28.59% | 4.82% | -0.02% | 15.04% | -4.62% | 7.82% | 10.35% | 22.07% | 30.12% | 5.84% | 1.93% | 5.27% | 28.03% | 11.43% | 6.81% | 2.59% | 4.29% | 123.25% |
| Long-Term Investments | 93.22B | 25.13B | 21.16B | 20.46B | 20.29B | 17.09B | 15.48B | 14.5B | 8.61B | 6.26B | 5.38B | 4.01B | 2.92B | 2.52B | 1.99B | 1.89B | 2.22B | 1.93B | 2.02B | 1.89B | 1.71B | 1.4B | 1.08B | 1.02B | 996.88M | 946.97M | 739.65M | 663.8M | 621.5M | 605.8M | 580.9M |
| Accounts Receivables | 496.63M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 177.19M | 45.84M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 1.07B | 1.07B | 1.09B | 1.1B | 1.12B | 1.14B | 999.98M | 1.02B | 562.12M | 139.03M | 142.96M | 107.14M | 71.77M | 41.06M | 4M | 4.21M | 5.22M | 3.59M | 58.44M | 0 | 0 | 21.78M | 6.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B | 1.01B | 928M | 931.64M | 503.43M | 125.53M | 125.53M | 90.08M | 63.55M | 35.05M | 956K | 956K | 956K | 0 | 54.81M | 0 | 0 | 18.25M | 5.09M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 51.43M | 54.82M | 70.76M | 87.95M | 106.19M | 125.94M | 71.97M | 91.59M | 58.69M | 13.5M | 17.43M | 17.06M | 8.22M | 6.01M | 3.04M | 3.25M | 4.26M | 3.59M | 3.63M | 0 | 0 | 3.52M | 1.21M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 216.4M | 213.1M | 209.46M | 216.44M | 220.28M | 225.4M | 222.89M | 233.1M | 145.41M | 117.74M | 121.22M | 121.64M | 97.25M | 103.19M | 75.98M | 73.12M | 66.59M | 67.64M | 66.11M | 59.13M | 46.6M | 39.61M | 27.77M | 25.54M | 25.33M | 26.82M | 19.7M | 19.5M | 19.1M | 19.1M | 16.2M |
| Other Assets | 870.57M | 723.12M | 913.15M | 856.58M | 805.46M | 768.38M | 624.66M | 479.07M | 244.29M | 169.32M | 190.16M | 157.79M | 210.77M | 199.53M | 168.13M | 178.7M | 185.94M | 92.15M | 83.72M | 36.35M | 39.53M | 134.01M | 38.99M | 24.41M | 23.5M | 20.31M | 16.64M | 18.5M | 19.4M | 21.4M | 26M |
| Total Current Assets | 1.83B | 333.81M | 2.89B | 2.57B | 2.62B | 4.64B | 3.08B | 2B | 1.85B | 1.14B | 1.02B | 1.17B | 738.01M | 804.7M | 780.57M | 848.42M | 496.67M | 329.2M | 174.8M | 71.83M | 192.65M | 74.42M | 97.67M | 80.48M | 123.08M | 157.47M | 43.36M | 80.1M | 56.5M | 36.3M | 42.9M |
| Total Non-Current Assets | 26.28B | 27.18B | 23.37B | 22.63B | 22.44B | 19.22B | 17.36B | 16.24B | 9.6B | 6.71B | 5.87B | 4.41B | 3.3B | 2.86B | 2.24B | 2.15B | 2.48B | 2.09B | 2.23B | 2.04B | 1.85B | 1.62B | 1.17B | 1.09B | 1.07B | 1.02B | 782.83M | 709.4M | 668.4M | 655.6M | 630.3M |
| Total Assets | 28.11B | 27.52B | 26.26B | 25.2B | 25.05B | 23.86B | 20.44B | 18.24B | 11.44B | 7.86B | 6.89B | 5.59B | 4.04B | 3.67B | 3.02B | 2.99B | 2.97B | 2.42B | 2.41B | 2.11B | 2.05B | 1.7B | 1.27B | 1.17B | 1.19B | 1.18B | 826.2M | 789.5M | 724.9M | 691.9M | 673.2M |
| Asset Growth % | 14.04% | 4.77% | 4.2% | 0.6% | 5.01% | 16.73% | 12.04% | 59.41% | 45.66% | 13.99% | 23.32% | 38.44% | 10.07% | 21.48% | 0.83% | 0.74% | 22.62% | 0.7% | 13.97% | 3.15% | 20.64% | 33.85% | 8.56% | -2.04% | 1.31% | 42.45% | 4.65% | 8.91% | 4.77% | 2.78% | 97.13% |
| Return on Assets (ROA) | 1.59% | 1.53% | 1.39% | 1.07% | 1.42% | 1.7% | 1.35% | 1.09% | 1.25% | 1% | 1.16% | 0.85% | 1.01% | 0.6% | 0.48% | 0.71% | -0.15% | -1.73% | -0.17% | 0.73% | 1.18% | 0.93% | 1.08% | 1.02% | 0.87% | 0.96% | 1.25% | 1.19% | 0.97% | 1.08% | 1.42% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.02B | 743.02M | 424.1M | 639.9M | 2B | 872.05M | 561.14M | 1.55B | 261.35M | 366.74M | 630.05M | 172.46M | 217.52M | 333.55M | 92.39M | 119.93M | 153.95M | 99.52M | 141.69M | 147.47M | 133.7M | 157.05M | 153.46M | 141.32M | 125.49M | 99.08M | 87.15M | 66.6M | 12.8M | 16.1M | 30.2M |
| Net Debt | -306.52M | 489.21M | -796.28M | -527.4M | 885.93M | -3.17B | -1.54B | 949.22M | -393.95M | 36.09M | 431.67M | -212.6M | 52.66M | 80.53M | -181.54M | -146.12M | -153.09M | -176.57M | -24.48M | 75.65M | -58.95M | 82.63M | 55.79M | 60.84M | 2.42M | -58.39M | 43.79M | -13.5M | -43.7M | -20.2M | -12.7M |
| Long-Term Debt | 134.8M | 167.43M | 424.1M | 639.9M | 2B | 866.21M | 549.5M | 1.53B | 170.96M | 336.1M | 537.7M | 84.87M | 120.21M | 240.04M | 42.27M | 62.27M | 85.76M | 44.27M | 114.27M | 132.77M | 117.77M | 146.74M | 145.93M | 133.11M | 117.29M | 95.29M | 55.35M | 24.3M | 9.4M | 15.4M | 24.2M |
| Short-Term Debt | 887.97M | 535.25M | 0 | 0 | 0 | 5.84M | 11.64M | 20.64M | 90.38M | 30.64M | 92.36M | 87.58M | 97.31M | 93.52M | 50.12M | 57.66M | 68.18M | 55.25M | 27.42M | 14.71M | 15.93M | 10.31M | 7.53M | 8.21M | 8.2M | 3.79M | 31.8M | 42.3M | 3.4M | 700K | 6M |
| Other Liabilities | 368.29M | 22.7B | 363.98M | 428.54M | 389.09M | 354.26M | 272.59M | 199.02M | 76.51M | 59.14M | 40.38M | 22.43M | 22.38M | 18.16M | 22.98M | -10.96M | 9.39M | 6.37M | 12.52M | 16.07M | 24.95M | 16.22M | 7.37M | 7.65M | 8.81M | 8M | -21.5M | 6.2M | 6.9M | 6.9M | 2.1M |
| Total Current Liabilities | 23.52B | 535.25M | 21.72B | 20.71B | 19.46B | 19.67B | 16.97B | 14.05B | 9.74B | 6.66B | 5.67B | 4.97B | 3.53B | 3.09B | 2.67B | 2.65B | 2.6B | 2.18B | 2.04B | 1.77B | 1.73B | 1.39B | 993.75M | 914.74M | 924.25M | 934.95M | 711.69M | 683M | 636.8M | 601.4M | 583.9M |
| Total Non-Current Liabilities | 503.09M | 22.9B | 788.08M | 1.07B | 2.39B | 1.22B | 822.09M | 1.73B | 247.47M | 395.24M | 578.08M | 107.31M | 142.59M | 258.2M | 65.25M | 51.31M | 95.15M | 50.64M | 126.79M | 148.84M | 142.71M | 162.97M | 153.3M | 140.76M | 126.1M | 103.29M | 33.85M | 30.5M | 16.3M | 22.3M | 26.3M |
| Total Liabilities | 24.03B | 23.44B | 22.51B | 21.78B | 21.86B | 20.89B | 17.79B | 15.77B | 9.99B | 7.05B | 6.25B | 5.07B | 3.67B | 3.35B | 2.74B | 2.7B | 2.7B | 2.23B | 2.17B | 1.92B | 1.87B | 1.55B | 1.15B | 1.06B | 1.05B | 1.04B | 745.54M | 713.5M | 653.1M | 623.7M | 610.2M |
| Total Equity | 4.08B | 4.08B | 3.75B | 3.43B | 3.2B | 2.97B | 2.65B | 2.47B | 1.46B | 804.48M | 646.44M | 514.76M | 366.03M | 316.7M | 279.02M | 293.77M | 273.41M | 194.96M | 239.36M | 191.25M | 178.73M | 148.7M | 120.94M | 113.61M | 141.98M | 138.65M | 80.66M | 76M | 71.8M | 68.2M | 63M |
| Equity Growth % | 34.36% | 8.65% | 9.48% | 7.17% | 7.79% | 12.06% | 7.19% | 69.57% | 81.03% | 24.45% | 25.58% | 40.63% | 15.58% | 13.51% | -5.02% | 7.45% | 40.23% | -18.55% | 25.16% | 7% | 20.19% | 22.96% | 6.45% | -19.98% | 2.41% | 71.9% | 6.13% | 5.85% | 5.28% | 8.25% | 85.84% |
| Equity / Assets (Capital Ratio) | 14.52% | 14.81% | 14.28% | 13.6% | 12.76% | 12.43% | 12.95% | 13.54% | 12.73% | 10.24% | 9.38% | 9.21% | 9.07% | 8.63% | 9.24% | 9.81% | 9.2% | 8.04% | 9.94% | 9.06% | 8.73% | 8.76% | 9.54% | 9.73% | 11.91% | 11.78% | 9.76% | 9.63% | 9.9% | 9.86% | 9.36% |
| Return on Equity (ROE) | 10.81% | 10.53% | 9.99% | 8.13% | 11.24% | 13.43% | 10.24% | 8.22% | 10.71% | 10.14% | 12.42% | 9.28% | 11.34% | 6.72% | 5.04% | 7.44% | -1.7% | -19.24% | -1.82% | 8.19% | 13.52% | 10.18% | 11.17% | 9.4% | 7.38% | 8.79% | 12.89% | 12.18% | 9.86% | 11.28% | 14.86% |
| Book Value per Share | 60.22 | 59.33 | 54.29 | 49.59 | 46.06 | 42.52 | 38.13 | 42.13 | 33.67 | 21.66 | 18.63 | 16.02 | 13.94 | 13.01 | 11.70 | 12.48 | 13.34 | 14.01 | 17.23 | 13.65 | 13.20 | 12.01 | 9.97 | 9.38 | 11.67 | 12.13 | 7.70 | 7.05 | 6.66 | 6.35 | 5.96 |
| Tangible BV per Share | 44.48 | 43.75 | 38.57 | 33.62 | 29.90 | 26.20 | 23.72 | 24.68 | 20.68 | 17.92 | 14.51 | 12.69 | 11.21 | 11.32 | 11.53 | 12.30 | 13.08 | 13.76 | 13.02 | 13.65 | 13.20 | 10.25 | 9.45 | 9.38 | 11.67 | 12.13 | 7.70 | 7.05 | 6.66 | 6.35 | 5.96 |
| Common Stock | 73.25M | 72.9M | 72.7M | 72.52M | 72.26M | 72.02M | 71.75M | 71.5M | 49.02M | 38.73M | 36.38M | 33.63M | 28.16M | 26.46M | 25.16M | 25.09M | 24.98M | 15.38M | 15.07M | 14.87M | 14.85M | 14.27M | 13.07M | 10.85M | 10.82M | 10.79M | 9.14M | 9.1M | 0 | 0 | 0 |
| Additional Paid-in Capital | 1.97B | 1.97B | 1.96B | 1.95B | 1.94B | 1.92B | 1.91B | 1.91B | 1.05B | 508.4M | 410.28M | 337.35M | 225.01M | 189.72M | 164.95M | 166.64M | 165.93M | 89.39M | 87.17M | 82.75M | 81.48M | 67.38M | 45.07M | 46.45M | 45.95M | 45.62M | 29.24M | 28.9M | 0 | 0 | 0 |
| Retained Earnings | 2.31B | 2.21B | 1.85B | 1.54B | 1.31B | 1.01B | 671.51M | 507.95M | 377.13M | 273.12M | 214.45M | 152.82M | 118.41M | 83.99M | 65.71M | 54.85M | 37M | 44.22M | 92.36M | 103.09M | 95.52M | 80.68M | 73.77M | 66.14M | 59.21M | 53.58M | 48.41M | 42.2M | 36.3M | 32.3M | 27.5M |
| Accumulated OCI | -1.48M | 8.31M | -30.12M | -35.94M | -46.51M | 15.59M | 33.51M | 18M | -4.83M | -1.28M | -1.06M | 3.35M | 6.1M | -294K | 6.61M | 7.3M | 6.2M | 7.24M | 6.52M | 1.3M | -2.53M | -3.15M | -753K | 31K | 1.19M | 378K | 90K | -2.1M | 300K | 200K | -100K |
| Treasury Stock | -270.89M | -186.7M | -103.13M | -95.17M | -74.83M | -52.41M | -42.97M | -34.97M | -16.56M | -14.5M | -13.61M | -12.39M | -11.66M | -11.18M | -11.07M | -10.83M | -10.83M | -10.81M | -10.79M | -10.77M | -10.59M | -10.48M | -10.22M | -9.86M | -9.69M | -6.22M | -6.22M | -2.1M | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 28M | 27.66M | 50.73M | 50.12M | 49.55M | 49.03M | 0 | 0 | 0 | 0 | 0 | 34.5M | 34.5M | 0 | 0 | 0 | 0 | 0 |
CRE concentration and provisioning
According to recent financial statements, Ameris Bancorp grew its total assets to $28.1 billion in 2026Q1, reflecting a consistent upward trajectory that appears driven by the bank's specialized lending verticals rather than reliance on passive securities portfolio growth or inorganic M&A activity.
The steady increase in asset size suggests that management is successfully deploying capital into higher-yielding niche segments. This expansion warrants monitoring to ensure that the bank's underwriting infrastructure can maintain quality as the balance sheet scales.
As reported in quarterly filings, the bank maintained an equity-to-assets ratio of 0.15 in 2026Q1, indicating a stable capital position that provides a sufficient buffer to absorb potential credit volatility while supporting ongoing share repurchases and organic loan growth initiatives.
This capital level appears adequate for the bank's current risk profile, though investors should monitor whether the aggressive buyback pace might eventually constrain the bank's ability to absorb unexpected shocks. The consistency of this ratio suggests a disciplined approach to capital management.
Based on the provided balance sheet data, Ameris Bancorp held $24.1 billion in investment securities as of 2026Q1, a figure that highlights the bank's reliance on its securities portfolio as a primary liquidity management tool rather than maintaining excessive cash balances.
The high concentration of assets in securities suggests that the bank is sensitive to interest rate fluctuations and duration risk. This strategy appears to prioritize yield generation, but it may leave the bank vulnerable if market conditions necessitate rapid liquidation of these holdings.
Financial data reveals that provision for loan losses dropped to zero in 2026Q1, a significant deviation from the $22.9 million recorded in 2025Q4, which may indicate a shift in management's risk assessment that warrants further investigation regarding the underlying health of the CRE portfolio.
The sudden cessation of provisioning appears counter-intuitive given the bank's exposure to regional commercial real estate. This may imply either an improved outlook or a potential underestimation of future credit losses, necessitating a cautious interpretation of current earnings quality.
Quick answers to the most common questions about buying ABCB stock.
As of 2025, Ameris Bancorp (ABCB) had total assets of $27.52B including $333.8M in current assets.
Ameris Bancorp (ABCB) carries total debt of $743.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Ameris Bancorp (ABCB) has total shareholders' equity (book value) of $4.08B ($59.33 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Ameris Bancorp (ABCB) reported a current ratio of 0.62x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.